Borders Visa
If you are one of those individuals whose preferred shopping place is Borders and Waldenbooks and you want a rewards program that covers products from other stores then the Borders 3.2.1 Visa is the right one for you. The Chase Manhattan Bank offers this credit card for those who love books, and want to stay informed about the latest movements and happenings in the world of literature. With this credit card one can not only build a personal library but also can earn points and other related advantages. Some of the powerful features of the Borders 3.2.1 Visa card include zero introductory APR, zero annual fee and zero setup fee. There are also other power packed features of the card which avid book and literature lovers can explore.
Features of the Card
The most important feature of the Borders 3.2.1 Visa is its introductory annual percentage of zero percent which is offered for the first 12 months. The percentage of the APR increases after the introductory period to about only 15.24%. Among the many credit cards the Borders 3.2.1 Visa card has the best rewards program. The first purchasers of the cardholders are entitled to rewards points of one thousand. The cardholders will then earn three points for every one dollar that they spend on shopping at Borders, Borders Express, Borders.com, and Waldenbooks.com and at the Waldenbooks store. Cardholders and can also earn one point on one dollar spent for buying such things as gas and groceries. The points thus earned by the cardholders can be exchanged for Borders gift cards, restaurant gift cards, cash, travel rewards and other such rewards. The number of points that the cardholders can earn with the rewards program of the credit card is not cap bound. The cardholders with just 25,000 points can claim the Border gift card worth $25.
The cardholders also qualify for enrollment in the Borders Rewards program with which earning points gets even easier. The other important and useful features of the Borders 3.2.1 Visa card includes insurance for travel accident, insurance on auto rentals, as well as a range of emergency and travel assistance services bonuses that are generally found in the platinum credit cards. The travel insurance that the cardholders are entitled with this card amounts to $500,000. However the most attractive feature of the Borders 3.2.1 Visa card are the bonus points, additional points for specified purchases and zero annual fee. The only feature that can hold one back is that the higher APR for those who are not fully eligible for applying.
The Borders 3.2.1 Visa card will not be ideal for those who are in the habit of having big outstanding amounts on their credit card and they will find this card more expensive. The expensiveness of the card is due to its two cycle average daily balance process which is used in the Borders Reward card program for calculating the amount to be charged to the cardholders account.
The Borders 3.2.1 Visa Card lets the cardholders earn and spend at the same time and hence it is the best credit card deal that allows considerable flexibility in spending, earning bonuses and other benefits.